BlastPoint's Credit Union Scorecard

EAGLE EXPRESS

Charter #48 · MS

<100M

2508 CUs in <100M nationally 42 in MS

EAGLE EXPRESS has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

MS Analysis

How does MS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Fee Income Per Member: Top 4.5% in tier

Key Concerns

Areas that may need attention

- ROA 1.24% below tier average
- Efficiency ratio 17.82% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	3,924 -1.9% YoY-0.5% QoQ	+1.2K	2,676 +1.6% YoY	14,925 +15.2% YoY	33,913 +5.7% YoY	78%
Assets	$66.8M +3.8% YoY+2.5% QoQ	+$36.6M	$30.2M +1.3% YoY	$177.9M +19.7% YoY	$578.3M +9.0% YoY	Top 13.4% in tier
Loans	$22.6M -1.1% YoY-1.1% QoQ	+$7.3M	$15.3M -2.0% YoY	$116.7M +17.0% YoY	$402.4M +8.7% YoY	75%
Deposits	$53.8M +4.2% YoY+3.4% QoQ	+$28.0M	$25.8M +0.7% YoY	$143.1M +20.8% YoY	$494.3M +9.1% YoY	84%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-1.1% +1089.2% YoY-574.1% QoQ	-1.2%	0.1% -77.6% YoY	-8.8% -1402.3% YoY	0.4% -39.2% YoY	Bottom 7.8% in tier
NIM	3.4% +1.9% YoY-2.6% QoQ	-0.7%	4.0% +4.0% YoY	4.5% +3.7% YoY	3.8% +4.1% YoY	30%
Efficiency Ratio	108.4% +25.0% YoY+32.8% QoQ	+17.8%	90.6% +6.5% YoY	182.9% +107.2% YoY	84.6% +2.8% YoY	Bottom 10.4% in tier
Delinquency Rate	0.7% -52.1% YoY-30.8% QoQ	-0.8	1.5% +3.8% YoY	2.1% +3.6% YoY	1.2% +3.4% YoY	54%
Loan To Share	42.0% -5.1% YoY-4.3% QoQ	-16.5%	58.5% -3.0% YoY	65.1% -3.9% YoY	65.6% -1.4% YoY	24%
AMR	$19,469 +4.5% YoY+2.5% QoQ	+$5K	$14,884 -1.7% YoY	$12,313 +3.4% YoY	$19,920 +1.6% YoY	76%
CD Concentration	22.4% -4.2% YoY-2.9% QoQ	-1.9%	24.3%	19.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

113

Fee Income Per Member

profitability

Value: $205.70

Peer Median: $60.42

#113 of 2508 Top 4.5% in <100M tier

335

Total Assets

balance_sheet

Value: $66.83M

Peer Median: $21.86M

#335 of 2508 Top 13.3% in <100M tier

402

Total Deposits

balance_sheet

Value: $53.79M

Peer Median: $18.77M

#402 of 2508 Top 16.0% in <100M tier

545

Total Members

engagement

Value: 3,924

Peer Median: 1,918

#545 of 2508 Top 21.7% in <100M tier

547

Net Worth Ratio

risk

Value: 20.08%

Peer Median: 14.28%

#547 of 2508 Top 21.8% in <100M tier

606

Average Member Relationship (AMR)

engagement

Value: $19,469

Peer Median: $13,926

#606 of 2508 Top 24.1% in <100M tier

Top Weaknesses (4 metrics)

2312

Return on Assets (ROA)

profitability

Value: -1.09%

Peer Median: 0.61%

#2312 of 2508 Bottom 7.9% in <100M tier

2248

Efficiency Ratio

profitability

Value: 108.45%

Peer Median: 81.45%

#2248 of 2508 Bottom 10.4% in <100M tier

1995

Net Charge-Off Rate

risk

Value: 0.67%

Peer Median: 0.07%

#1995 of 2508 Bottom 20.5% in <100M tier

1898

Loan-to-Share Ratio

balance_sheet

Value: 42.03%

Peer Median: 58.72%

#1898 of 2508 Bottom 24.4% in <100M tier